Department of Accounting, 2008

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ANALISIS FINANSIAL SEBAGAI DASAR PENGAMBILAN KEPUTUSAN PEMBERIAN KREDIT (Studi Kasus Pada Bank Jatim Cabang Pare Kediri)

RINA NILA KUNTARI

Abstract


This research is case study at PT. Bank of Jatim Branch Pare Kediri with title ?Analyzes Financial As Base Decision Making Of Giving Credit?. Target of this research is to know application of financial to decision of giving credit at Bank Jatim Branch Pare Kediri.
In this research of writer to do case study, that is analyzing monetary ratio which influence decision making as base decision making of giving of credit to company "X". In the proffering of credit of Bank to doing analyze to monetary ratio as base decision making of giving of credit, that is by Ratio analysis of Likuiditas, Solvency Ratio, Ratio Rentability, and Ratio Activity. Where can know from his ratio result, Ratio of Likuiditas show good enough company's finance position seen from result of Current Ratio, seen from Solvency Ratio also show financial position which is good enough to be seen from Total Debt to Total Asset and Total Debt To Total Equity, of Ratio Rentability also experience of that improvement can be seen on course balance financial statement on course natural profit improvement of year 2006-2007 and last at the Ratio Activity of here the activity ratio position of less either due result of from Inventory Turnover (ITO) and of Receivable Turnover (RTO) not effective.
Pursuant to above conclusion, hence company "X" can be given by credit loan although from four calculated ratio there is one of the ratio which the was situation of unfavorable, but from three the other ratio of result of good enough become from this base of bank give credit loan at company "X" and seen also from circulating assetses amount had company "X" also experience of enough improvement either from year 2006-2007.

 

Keyword : Pengambilan keputusan, kredit, rasio keuangan, laporan keuangan

 

Link Terkait : http://skripsi.umm.ac.id/files/disk1/277/jiptummpp-gdl-s1-2008-rinanilaku-13823-PENDAHUL-N.pdf



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